Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$200,539Cash toward the purchase price.
Closing costs + prepaids$11,679Not just lender fees.
Before credits & paid funds$212,218The complete starting cash picture.
Estimated remaining funds due at closing
$212,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,539.34
Your down payment$200,539.34
Closing costs + prepaids$11,679.00
Total buyer cash needed$212,218.34
Remaining funds due$212,218.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,297.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,146.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.75
Initial HOA (3 months)$51.24
Prepaid interest, first (2 days)$37.05
Fees + prepaids$11,679.00
Your down payment is the seller’s equity. You take over the $229,238 balance, so the rest of the $429,777 price is paid at closing. A second mortgage can cover part of it. $212,218.34 is due at closing. Uses and sources reconcile at $441,456.00 each. Not a Closing Disclosure.